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Case Study · Life & Health Claims

Clarifying a contested long-term disability claim

A life & health insurer faced a long-term disability claim whose reported limitations were difficult to reconcile with the claimant’s daily activity. Discreet activity checks and interviews established the facts.

The brief

A claim that needed clarity, not assumptions.

The medical file was ambiguous and the claim had been open for an extended period. Our client required an objective, fair, and fully documented account of the claimant’s functional capacity before making a decision.

Our approach

Observe fairly, document thoroughly.

We deployed measured activity checks and structured interviews, adhering strictly to privacy standards and the dignity of the claimant.

  • Measured activity checks

    Objective observation of functional capacity over a defined period.

  • Structured interviews

    Statements gathered from relevant parties to corroborate findings.

  • Privacy-compliant conduct

    Every step conducted within our Code of Ethics and privacy obligations.

The outcome

An informed, defensible adjudication.

Objective
Functional-capacity evidence
Fair
Privacy-compliant methodology
Documented
Report supporting the decision
Life & health claims

Adjudicate with confidence.

Engage a fair, thorough activity check or claims investigation today.

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